You can resolve Your housing condition easily and favorably
with a help from Jadranska banka.
To citizens of Croatia this Bank offers construction loans ranging from euro 20.000,00 to 200.000,00
for:
- buying a flat or a family house, building a house,
- buying a building parcel or providing
municipal services for a building lot
The Bank grants loans totaling up to 70% of the purchase price of a flat, a
family house or a parcel, or 70% of an amount established
with a investment plan for building a house.
Who can use the loans?
All creditworthy citizens of Croatia who are the Bank's
customers or receive their salaries through current
accounts-interest rate equals 6%, changeable and for others-
interest rate equaling 9,5%, changeable.
Amounts and repayment terms:
- from euro 20.000,00 to 30.000,00
– a repayment term
of up to
15 years,
- from euro 30.001,00 to 200.000,00 – a repayment term
of up to 20 years
The interest rate totals 6% or 9,5% ( per annum,
changeable)
Fee:
-equals 1,5% of the loan amount.
Prerequisites for becoming loan participants (borrowers, co-debtors):
- they must be creditworthy Croatian citizens of age
- the monthly installment of loan repayment does not exceed 1/2 of permanent non-burdened monthly income of borrower or, if a co-debtor is included,
such installments must not exceed 1/2 of their permanent non-burdened monthly income combined
- at the maturity date of the last installment, these persons are
not to be older than 75 years.
Within one loan request may appear persons employed with different
employers and just one pensioner, artisan, person employed
by an artisan or one realizing income from an independent
activity.
Use and of loan withdrawal:
The loan payout is carried out in kuna counter value at
the mean exchange rate of the Bank ruling on a
particular day.
The loans are contracted with a euro foreign currency
clause, i.e. loan payables are calculated at the mean
rate for euro on the payment date.
The term of loan use is 3 months from signing
a loan contract. For building a family house, the term
of use may be, at most, one year.
The funds are transferred to the
seller's account directly or through a credit letter, all in accordance with
items specified on the cost list, with original or pro forma invoices.
The Bank can grant a payout of up to 50% of loan granted
directly to the borrower's account, with a 1% fee on the
amount paid for buying a flat, a family house or a building
lot.
Loan repayment:
It is carried out in monthly installments expressed in euro
at the Bank's mean exchange rate ruling on their
maturity dates. Installments are due on the last day of each month.
Premature loan repayment can be made only with the Bank's
approval and under conditions ruling at the time.
The grace period of the repayment of principal:
-can be contracted on 6 and 12 months, and is included
in the loan repayment term.
Amounts of monthly installments on construction loans (
with annual interest rates totaling 6%):
- With loans contracted without a grace period (
the first installment is due in the month following
that in which the
loans was withdrawn )
| Loan amount in euro |
5 years |
10 years |
15 years |
20 years |
|
| 20.000 |
396,80 |
232,22 |
179,77 |
- |
|
| 30.000 |
594,04 |
348,33 |
269,65 |
- |
|
| 40.000 |
792,05 |
464,43 |
359,53 |
310,12 |
|
| 50.000 |
990,06 |
580,54 |
449,41 |
387,65 |
|
| 60.000 |
1.188,07 |
696,65 |
539,30 |
465,18 |
|
| 70.000 |
1.386,08 |
812,76 |
629,18 |
542,71 |
|
| 80.000 |
1.584,10 |
928,87 |
719,06 |
620,24 |
|
| 90.000 |
1.782,11 |
1.044,98 |
808,95 |
697,77 |
|
| 100.000 |
1.980,12 |
1.161,08 |
898,83 |
775,30 |
|
| 200.000 |
3.960,24 |
2.322,17 |
1.797,66 |
1.550,60 |
|
|
|
- With loans contracted with a 6-month
grace period ( the installment is
due in
the month following that in which the grace
period expired). During the grace period, interest
is calculated and charged monthly.
| Loan amount in euro |
5 years |
10 years |
15 years |
20 years |
|
|
| 20.000 |
432,83 |
240,68 |
183,29 |
- |
|
|
| 30.000 |
649,25 |
361,02 |
274,93 |
- |
|
|
| 40.000 |
865,66 |
481,37 |
366,57 |
313,79 |
|
|
| 50.000 |
1.082,08 |
601,71 |
458,22 |
392,23 |
|
|
| 60.000 |
1.298,49 |
722,05 |
549,86 |
470,68 |
|
|
| 70.000 |
1.514,91 |
842,39 |
641,50 |
549,13 |
|
|
| 80.000 |
1.731,33 |
962,73 |
733,14 |
627,57 |
|
|
| 90.000 |
1.947,74 |
1.083,07 |
824,79 |
706,02 |
|
|
| 100.000 |
2.164,16 |
1.203,41 |
916,43 |
784,47 |
|
|
| 200.000 |
4.328,31 |
2.406,83 |
1.832,86 |
1.568,93 |
|
|
|
|
- With loans contracted with a 12
month-grace period (the installment is
due in the month following that in which the grace
period expired). In the beginning, interest is
paid monthly.
| Loan amount in euro |
5 years |
10 years |
15 years |
20 years |
|
| 20.000 |
478,92 |
250,13 |
187,08 |
- |
|
| 30.000 |
718,39 |
375,19 |
280,62 |
- |
|
| 40.000 |
957,85 |
500,25 |
374,16 |
317,68 |
|
| 50.000 |
1.197,31 |
625,31 |
467,70 |
397,10 |
|
| 60.000 |
1.436,77 |
750,38 |
561,24 |
476,52 |
|
| 70.000 |
1.676,24 |
875,44 |
654,78 |
555,93 |
|
| 80.000 |
1.915,70 |
1.000,50 |
748,32 |
635,35 |
|
| 90.000 |
2.155,16 |
1.125,56 |
841,86 |
714,77 |
|
| 100.000 |
2.394,62 |
1.250,63 |
935,40 |
794,19 |
|
| 200.000 |
4.789,25 |
2.501,26 |
1.870,80 |
1.588,38 |
|
|
|
Remark: For repayments earlier than contracted, no fee is
charged.
|
|
|
 |
|
Applicable
as of:
4.2.2012.
|
|
|
| curr. |
|
buying |
mean |
selling |
| AUD |
1 |
6,053832 |
6,158527 |
6,263222 |
|
| USD |
1 |
5,666036 |
5,752321 |
5,838606 |
|
| CHF |
1 |
6,195537 |
6,289885 |
6,384233 |
|
| EUR |
1 |
7,518054 |
7,578683 |
7,631734 |
|
| GBP |
1 |
8,978834 |
9,115568 |
9,252302 |
|
| CAD |
1 |
5,662698 |
5,760629 |
5,858560 |
|
|
|
| Complete foreign exchange list |
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